PCCharge Pro is an award-winning, Windows-based payment processing software product designed to save medium to large businesses time and money by providing powerful features and performance at the point-of-sale. Available to businesses in North America, PCCharge Pro is a cost-effective solution for all business types, including brick-and-mortar merchants, e-Stores, and MOTO (mail-order/telephone order) shops. PC Charge is also used with the Credit Card Charging Interface developed by Database Creations, Inc. This interface can be used with the following products to provide automatic credit card charging and authorization. Business! Professional Edition Business! Standard Edition Yes! I Can Run My Business POSitively Business Data entered into the Credit Card Charging module is passed along to PC-Charge, which handles the transaction and returns an authorization number or a decline message.

PC-Charge                              (click image to enlarge)

Features

Versatile
Certified with major credit/debit/gift card and check processors, PCCharge Pro supports multiple payment types including:

• all major credit cards
• debit cards
• EBT
• purchasing cards (Level II)
• gift/loyalty cards
• check verification, guarantee and conversion

PCCharge Pro is designed for stand-alone, client-server, or integrated solutions. A client/server software, PCCharge Pro supports card readers, PIN pads, and check readers as well as customer database capabilities.

Flexible
A flexible solution for merchants, you can use PCCharge Pro out of the box or as part of an integrated POS solution. It supports one or multiple users, and there is virtually no limit to merchant numbers in PCCharge Pro.

Security with Fraud Protection Plus
PCCharge is designed with security that can help merchants reduce fraud and chargebacks, and may qualify merchants for lower interchange rates. PCCharge has undergone an evaluation by a Visa CISP qualified assessor to validate the sound security of our solutions.

PC-based processing is faster and more efficient than older transaction processing methods, and results in reduced expenses and increased profits for your business. You don't need to purchase any additional hardware -- simply use your existing PC.

• Reduces Errors - Eliminates the need to re-enter transaction information at the register and stand-alone terminals, thus reducing the chance of mistakes.
• Creates Transaction Database - Stores transaction information inside a database for as long as you want, thus allowing the ability to retrieve relevant information pertaining to your business.
• Increases Accountability - Makes it easy to confirm whether you have received the proper amount of credit for each transaction .
• Minimizes Fraud - Check multiple amounts of information, such as zip code and street address (AVS), to confirm legitimacy of the card transaction.
• Quicker Transactions - Allows you to send multiple transactions as a batch, thus reducing authorization time to as little as three seconds per transaction.
• Eliminates Equipment - Multiple registers can share one modem, and phone line to process transactions, thus saving money.
• Lowers Transaction Fees - Processes transactions electronically which is faster and less expensive than paper processing costs.
• Faster Billing - Makes it easy to build and process a batch of transactions as often as needed, great for recurring billing.
• Network Ready - PC-Charge can run on a network so multiple terminals can process transactions simultaneously, improving efficiency.

PC-Charge Pro Can Do More To Save You Time and Money

PC-Charge Pro supports check guarantee and verification services along with ATM/Debit card transactions. PC-Charge Pro has been validated by PCI (Payment Card Industry) and PABP (Payment Application Best Practices).

Using PC Charge Pro with Business! Accounting Products

You can customize the Business! line of accounting products to use PC-Charge Pro to process credit card transactions right from the Invoice form. Business! has an optional credit card processing module you can purchase that uses PC Charge Pro software to process credit cards.

Using PC Charge Pro with POSitively Business

POSitively Business comes with a built in interface to the PC-Charge Pro software if you decide to run those products together. When you tender a sale, PC-Charge Pro can automatically process the credit card. An authorization message will return with an address and zip code verification (if selected). You can also void a sale, and credit a charge card.

PC-Charge Developer Kit Suite

The PC-Charge Dev Kit or the Dev Kit Suite make it easy to process credit cards using a Web server on the Internet or an Intranet. By using a secure Web server and running PC-Charge Pro locally, secure transactions can be executed today!  As part of the Dev Kit or the Dev Kit Suite, you get a web interface kit with virtual terminal, PC Charge Pro, PC Charge Payment Server (Sample Applications only. Does not include merchant licenses), as well as comprehensive manuals and code samples. This technical document explains how the PC Charge Dev Kit with web interface kit can fit into your existing or future Web configuration. As an additional bonus, the PC Charge Dev Kit Suite comes with a merchant license with an unlimited number of and allows the developer to activate the payment processing application of choice. The kit is renewed annually.

World Wide Web Communication

In a typical World Wide Web interaction, the end-user connects to the Internet and uses a Web browser such as Netscape Navigator or Microsoft Internet Explorer. The user directs the Web browser to access a particular Web address, and the Web server at that address responds to the user's requests by sending information over the Internet back to the user's Web browser.

If both the Web browser and the Web server are secure, then any communication in either direction is encrypted and cannot be accessed by third parties. Browsers such as Netscape Navigator and Microsoft Internet Explorer have secure communication built-in. Web servers such as Netscape's Commerce Server, Microsoft's Internet Information Server, and O'Reilly's WebSite Pro all have the capability to handle secure communication. End-users can thus confidently provide credit card information over this type of connection.

The Web Interface Kit is a Straightforward Add-on

The Web Interface Kit included in the PC Charge Dev Kit and Dev Kit Suite provide a link between the Web server, which initially receives the credit card information from the end-user, and PC-Charge, which actually performs the processing. The simplest configuration involves loading the entire Kit on the same computer with the Web server.

To use this configuration, the computer running the Web server, PC-Charge Pro, and the Interface Kit must be a Windows 95 or Windows NT machine. Assuming that the end-user connects to your secure Web server configuration, this process is entirely secure -- the end-user provides credit card information over a secure Internet connection, and your processing computer transmits the information to the processing network over standard telephone lines, just like millions of merchants do every day.

How the Web Interface Kit Works

The end-user connects to your Web server through an HTML form which requests the required information -- credit card number, expiration date, amount, etc. A sample form is included with the Interface Kit. The end-user completes the form and clicks an action button that sends the data from the form to your Web server. The Web server then passes the data to the Web Interface Kit's Common Gateway Interface (CGI) module. This CGI program is written in a language called Perl, a portable and popular language for Web programming. The CGI module communicates with a TCP/IP stub application included in the Kit, called GOServer. In turn, GOServer communicates with PC-Charge Pro to process the transaction. Once the transaction is complete the result is returned through the same path back to the end-user's screen. While this process may sound complex, it is standard procedure for operating on the Internet/Intranet and the entire process -- from submitting data to receiving a result -- only takes a matter of seconds.

The Web Interface Kit is Interoperable

If your Web server is not running on a Windows 95 or Windows NT computer, or if you wish to offload the transaction processing to a different computer, the Interface Kit can be split into its two parts: the CGI (Common Gateway Interface) module and the GOServer module.

The GOServer module and PC-Charge Pro must run on a Windows 95 or Windows NT computer, and it must be running TCP/IP as a networking protocol (which is included with both Windows 95 and Windows NT). The CGI module is written in Perl and uses the Common Gateway Interface to interact with the Web server. Consequently it can run under virtually any Web server (e.g., Microsoft IIS, O'Reilly WebSite, Netscape Commerce Server) and operating system (e.g., Unix, OS/2, Windows NT, or Macintosh). Since it runs on the same computer as the Web server, this computer by definition has TCP/IP available. As long as your LAN is secure, this configuration is just as secure as the previous configuration.

The Web Interface Kit is Flexible

There are other configurations as well; because the CGI module is fully portable with source code provided, and it communicates with the GOServer using TCP/IP, the Interface Kit is extremely flexible. For example, card-not-present merchants could use the Interface Kit to set up an Intranet-based multi-user card processing system.

Additional Information

Banks that work with PC-Charge Pro

Return Policy for PC Charge Products

*PC Charge products are manufactured by VeriFone, and are therefore subject to their return policies:

• PC Charge Pro - Non-Returnable
• PC Charge Developer Kit - Non-Returnable
• PC Charge Developer Kit Suite - Non-Returnable

Pricing
PC Charge - Single User (includes 1 year pre-paid std support plan)		$620
PC Charge - Extra User		$138
PC Charge - Unlimited Users Upgrade (must own Single User License)		$820
Bundle - Credit Card Charging Interface for Business! and PC Charge Single User License Software		$795
PC Charge - Developer Kit		$765